Best Uninsured Motorist Coverage (UM) Auto Insurance Companies (2022)
Almost half of states in the U.S. require drivers to carry uninsured motorist coverage (UM). This coverage costs around $50-$75 annually. GEICO and State Farm are great options for UM coverage, but make sure to compare rates before choosing a policy.
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UPDATED: Jun 29, 2022
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Table of Contents
- According to experts, the best insurance companies for uninsured motorist (UM) coverage are GEICO and State Farm
- Uninsured motorist coverage is a requirement in 21 states in the U.S.
- Uninsured motorist coverage typically costs around $65 annually
Many insurance companies that offer auto insurance coverage have options for uninsured motorist insurance. UM coverage is an essential type of car insurance that protects you from paying for car damage out of pocket if the person at fault in the accident is driving without auto insurance.
While UM coverage is purchasable in all states, 21 states in the U.S. require drivers to carry UM insurance as a part of their liability policies.
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When it comes to uninsured and underinsured motorist coverage, GEICO and State Farm are considered the best companies. However, as you shop for coverage from multiple providers, you may find that other insurance companies offer UM coverage at a better price.
Table of Contents
Which insurance companies are best in terms of uninsured motorist coverage?
GEICO uninsured motorist coverage is a prevalent choice for many individuals, as its rates tend to be lower than other competitors. You may also be eligible for discounts if you combine your UM coverage with a liability policy or additional coverages such as collision and comprehensive insurance.
However, GEICO auto insurance has its fair share of complaints regarding customer reviews online.
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Many policyholders who filed an insurance claim with the company said they had to wait too long to get a response or go back and forth with GEICO to ensure the company handled their claims properly.
If you purchase uninsured motorist coverage with GEICO, read the company’s list of exceptions and exclusions to ensure you have adequate coverage.
Many people choose State Farm as another UM coverage option.
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State Farm is popular for its customer loyalty discount. If you purchase uninsured motorist insurance and have been a policyholder with State Farm for several years, you may get cheaper-than-average UM insurance.
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How much is uninsured motorist coverage?
Rates for uninsured motorist coverage typically cost around $50 to $75 annually.
Though rates for UM insurance seem relatively low, many people purchase car insurance without utilizing this coverage. Some ignore the fact that countless drivers are out on the roads and driving without proper insurance.
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In most states, people choose whether they carry UM insurance. However, 21 states in the U.S. require drivers to include UM coverage in their liability policies.
The table below shows the requirements for uninsured motorist coverage in these 21 states.
State UM or UM/UIM Required Coverage Limits
Connecticut UM/UIM Bodily injury coverage $25,000 per person, $50,000 per accident
District of Columbia UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $5,000 per accident, subject to a $200 deductible
Illinois UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Maine UM/UIM Bodily injury coverage of at least $50,000 per person, $100,000 per accident
Maryland UM/UIM Bodily injury coverage of at least $30,000 per person, $60,000 per accident
Property damage coverage of at least $15,000 per accident
Massachusetts UM/UIM Bodily injury coverage of at least $20,000 per person, $40,000 per accident
Minnesota UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Missouri UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Nebraska UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
New Hampshire UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
New Jersey UM/UIM Drivers can choose to add coverage
New York UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
North Carolina UM/UIM Bodily injury coverage of at least $30,000 per person, $60,000 per accident
Property damage coverage of at least $25,000 per accident
North Dakota UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Oregon UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
South Carolina UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $25,000 per accident, subject to a $200 deductible
South Dakota UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Vermont UM/UIM Bodily injury coverage of at least $50,000 per person, $100,000 per accident
Property damage coverage of at least $10,000 per accident, subject to a $150 deductible
Virginia UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $20,000 per accident, subject to a $200 deductible
West Virginia UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $25,000 per accident
Wisconsin UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
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If you live in one of the states listed above, your auto policy must include UM coverage.
Which state has the most uninsured motorists?
According to statistics, Florida has the most uninsured motorists in the state. Nearly 27% of drivers in Florida either carry inadequate liability insurance or don’t carry any auto insurance.
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The table below shows the top 10 states in the U.S. with the highest percentage of uninsured motorists.
Rank States Percentage of Uninsured Drivers
1 Florida 26.70%
2 Mississippi 23.7%
3 New Mexico 20.8%
4 Michigan 20.3%
5 Tennessee 20%
6 Alabama 18.4%
7 Washington 17.4%
8 Indiana 16.7%
9 Arkansas 16.6%
10 Washington,. D.C. 15.6%
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In contrast, the following table shows the top 10 states in the country with the lowest percentage of uninsured motorists.
Rank States Percentage of Uninsured Drivers
1 Maine 4.5%
2 New York 6.1%
3 Massachusetts 6.2%
4 North Carolina 6.5%
5 Vermont 6.8%
6 Nebraska 6.8%
7 North Dakota 6.8%
8 Kansas 7.2%
9 Pennsylvania 7.6%
10 South Dakota 7.7%
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As you can see, Maine is the state with the lowest number of uninsured drivers on the road. Less than five percent of drivers in Maine drive without proper liability coverage on their vehicles.
Should I get uninsured motorist coverage on my car?
If you don’t live in a state that requires UM coverage, you may still want to consider purchasing this type of insurance.
Though UM insurance wouldn’t be necessary if every driver pulled their own weight, the truth is you could get in an accident tomorrow with someone who didn’t have proper coverage. If that ever happens, it could be your financial responsibility to fix damages to your vehicle or pay for medical treatments out of pocket.
Uninsured motorist coverage isn’t expensive and can give you peace of mind that you have protection in virtually any scenario.
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Uninsured Motorist Insurance: The Bottom Line
GEICO and State Farm are the most popular companies offering uninsured motorist coverage. UM insurance typically costs no more than $75 per year, and 21 states in the U.S. automatically require drivers to carry this coverage.
Even if you live in a state that doesn’t require UM insurance, you may want to consider purchasing it to protect you and your vehicle in case of an accident.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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